The median home in Kapaa, Hawaii is valued at $931,066, down 0.7% year over year. Kapaa is part of the Kapaa, HI metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

See the full metro analysis: Kapaa, HI stress score, crash risk, and 12-month forecast →

Home Value$931,066

-0.7%

AFFORDABILITY

Enter your income for Kapaa.

Income (annual)

Down Payment

$186,213 on $931,066

Out of reach — 80.4% of income

Need $215,357/yr to afford.

PITI$5,025

P/I80.4%

Afford$324K

Gap-$607K

P&I $4,708Tax $217Ins $100

6.50% 30yr, 20% down, county tax + HI ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Other cities in Hawaii

Compare Kapaa with other housing markets across Hawaii.

Hanalei$3197K Puako$2153K Kilauea$1706K Haleiwa$1609K Kailua$1473K Princeville$1399K Kula$1306K Paia$1295K

Full Kapaa, HI analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Kapaa, HI metro.

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KAPAA, HI